PAPL (Pineapple Financial) Net Income: $-28.31 Mil (TTM As of Feb. 2026)

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PAPL Pineapple Financial Inc PAPL
10 GF Score
Price $0.96
! 5 Warning Signs
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What is Pineapple Financial Net Income?

Pineapple Financial PAPL +2.00% 10 Net Income is $-28.31 Mil as of Feb. 2026. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 5 warning signs investors should review.

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Pineapple Financial's Net Income for the three months ended in Feb. 2026 was $-19.50 Mil. Its Net Income for the trailing twelve months (TTM) ended in Feb. 2026 was $-28.31 Mil.

Net Income is linked to the most popular Earnings per Share (Diluted) number. Pineapple Financial's Earnings per Share (Diluted) for the three months ended in Feb. 2026 was $-0.75.

Pineapple Financial  (AMEX:PAPL) Net Income Explanation

Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:

Pineapple Financial's Earnings per Share (Diluted) (EPS) for the quarter that ended in Feb. 2026 is calculated as

Earnings per Share (Diluted) (Q: Feb. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Diluted Average)
=(-19.496-0)/26.089
=-0.75

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

EPS is most useful for companies that have:

A predictable business
Consistent accounting methods
And few restructurings

The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.

Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.

Pineapple Financial Net Income Related Terms

Pineapple Financial Net Income Historical Data

* Premium members only.

The historical data trend for Pineapple Financial's Net Income can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pineapple Financial Net Income Chart

Pineapple Financial Annual Data
Trend Aug21 Aug22 Aug23 Aug24 Aug25
Net Income
-0.24 -2.81 -2.81 -4.10 -3.64

Pineapple Financial Quarterly Data
Aug21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
Net Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.60 -0.56 -1.82 -6.44 -19.50
PAPL
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Pineapple Financial Inc PAPL
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Pineapple Financial Net Income Calculation

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.

Net Income
= Revenue - Cost of Goods Sold - Selling, General, & Admin. Expense - Research & Development - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= EBITDA - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Operating Income - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Pre-Tax Income - Tax Expense + Others

Pineapple Financial's Net Income for the fiscal year that ended in Aug. 2025 is calculated as

Net Income(A: Aug. 2025 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=-3.638+0+0+0
=-3.64

Pineapple Financial's Net Income for the quarter that ended in Feb. 2026 is calculated as

Net Income(Q: Feb. 2026 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=-19.496+0+0+0
=-19.50

Net Income for the trailing twelve months (TTM) ended in Feb. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-28.31 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Net Income →
What does a Net Income of $-28.31 Mil mean?
Pineapple Financial (PAPL) has a Net Income of $-28.31 Mil as of Feb. 2026. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Pineapple Financial and its competitors.
Is Pineapple Financial's Net Income too high?
Pineapple Financial's current Net Income is $-28.31 Mil. Overall, Pineapple Financial has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Pineapple Financial's Net Income compare to MMCP and BLNE?
Pineapple Financial's Net Income of $-28.31 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Income for a Banks company?
A good Net Income depends on the Banks industry context. However, Net Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Pineapple Financial and its competitors. Pineapple Financial's current Net Income is $-28.31 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pineapple Financial stock overvalued right now?
Pineapple Financial (PAPL) has a current Net Income of $-28.31 Mil. The current Net Income is $-28.31 Mil. Pineapple Financial's overall GF Score™ is 10/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Income calculated?
Net Income is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current Net Income is $-28.31 Mil as of Feb. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Pineapple Financial Business Description

Address 111 Gordon Baker Road, Unit 200, North York, Toronto, ON, CAN, M2H 3R1
Pineapple Financial Inc is a Canada-based mortgage technology and brokerage company that provides mortgage brokerage services and technology solutions to Canadian mortgage agents, brokers, sub-brokers, brokerages, and consumers. Through its data-driven systems together with cloud-based tools, it offers advantages in the Canadian mortgage industry relative to alternative mortgage broker arrangements and also provides back office services.
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